A net worth percentile tells you how your wealth compares to other Americans in your age group. Enter your net worth (assets minus liabilities) and age to see your ranking using data from the Federal Reserve's Survey of Consumer Finances — the most authoritative source for U.S. wealth distribution. This is the calculation constantly shared on r/personalfinance.
Your Information
Total assets minus total liabilities. Negative values are OK.
Used to select the correct SCF age group for comparison.
Where You Stand
| Percentile | Net Worth |
|---|
Data: Federal Reserve Survey of Consumer Finances (2022). US households only. Data updated every 3 years.
Your Net Worth vs. All Age Groups
Showing median net worth for each age group vs. your entered net worth.
How to Use the Net Worth Percentile Calculator
Knowing your net worth percentile puts your financial situation in real context. Instead of wondering whether your savings are "good," you can see exactly where you stand among your peers using the Federal Reserve's official wealth data. This tool makes that comparison instant and private.
Step 1: Calculate Your Net Worth
Your net worth is everything you own (assets) minus everything you owe (liabilities). Assets include: checking and savings accounts, investment accounts, 401(k) and IRA balances, home equity (market value minus mortgage balance), car value minus car loan, and any other valuable property. Liabilities include: mortgage balance, student loans, car loans, credit card balances, and any other debt. The result can be negative — that is common and valid.
Step 2: Enter Your Age
Enter your current age. The tool will automatically place you in the correct Federal Reserve age bracket: Under 35, 35–44, 45–54, 55–64, 65–74, or 75+. This age-adjusted comparison is critical — a net worth percentile only makes sense when measured against people at the same life stage.
Step 3: Read Your Results
After clicking Calculate, you'll see your percentile ranking, a comparison to the median and mean net worth for your age group, and a breakdown table showing the wealth levels at each major percentile. The bar chart shows exactly where your net worth falls on the distribution curve.
Understanding the Data Source
This calculator uses the Federal Reserve's Survey of Consumer Finances (SCF), conducted every three years and widely considered the definitive source for U.S. household wealth data. The 2022 SCF surveyed thousands of families across all income and wealth levels, using an oversample of high-wealth households for accuracy. The percentile breakpoints used here are derived from the 2022 SCF public data, the most recent release available.
What a High or Low Percentile Means
Being in the 90th percentile means your net worth exceeds 90% of Americans in your age group. Being in the 10th percentile means 90% have more. Neither extreme should define your self-worth — net worth percentiles are a diagnostic tool, not a report card. If your percentile is lower than you'd like, focus on the controllable factors: increasing savings rate, reducing high-interest debt, and investing consistently over time. The most important number isn't your percentile today — it's whether your net worth is trending upward each year.
FAQ
Is this net worth percentile calculator free?
Yes, completely free. No signup, no account, and no hidden fees. All calculations run locally in your browser using Federal Reserve Survey of Consumer Finances data. Your financial information is never sent to any server.
Is my financial data safe and private?
Absolutely. This tool runs entirely in your browser using client-side JavaScript. Your net worth figure is never transmitted to any server or stored anywhere. You can even disconnect from the internet and the tool still works.
Where does the net worth percentile data come from?
The data comes from the Federal Reserve's Survey of Consumer Finances (SCF), conducted every three years. The 2022 SCF is the most recent release. It surveys thousands of U.S. families and is the gold standard for measuring wealth distribution in America.
What counts as net worth for this calculation?
Net worth is total assets minus total liabilities. Assets include savings, checking accounts, retirement accounts (401k, IRA), investments, real estate equity, and vehicle value. Liabilities include mortgage balances, car loans, student loans, and credit card debt. Negative net worth is valid and common, especially for younger Americans.
Why does age group matter so much for net worth percentile?
Wealth accumulates over time, so comparing a 30-year-old to a 60-year-old is not meaningful. Someone with $100,000 at age 28 is doing extremely well, while the same amount at 58 would rank very low. Age-adjusted percentiles give you a fair comparison to people at your life stage.
What is the median net worth in America?
According to the 2022 Federal Reserve SCF, the median net worth for all U.S. families is approximately $192,700. However, this varies dramatically by age: the under-35 median is about $39,000, while the 55-64 age group median is around $364,500.
Is a negative net worth normal?
Yes, especially for younger Americans. About one-third of households under age 35 have a negative net worth, largely due to student loans and mortgages taken on without much savings. What matters is the trend — consistently growing net worth over time is the goal.
Does this tool include home equity in net worth?
The SCF data this tool is based on includes home equity (market value minus mortgage balance) as part of net worth. When entering your own net worth, include home equity (your home's value minus what you still owe on it), vehicle equity, and all financial accounts minus all debts.